Lending & Credit

Faster contract conclusion: Offer your customers the opportunity to prove their current creditworthiness by looking at their account and use our account analysis to check liquidity and shorten credit application processes.

Discover with BANKSapi how credit processes can become more streamlined and lead to greater success.

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Use cases

Digital budget calculation

All income and expenditure from the last few months are processed paperlessly based on an account overview and the average surplus is calculated in milliseconds. In addition, credit-critical factors such as existing loans and leasing installments, insurance premiums or anomalies in account usage, e.g. returned direct debits or excessive overdraft facilities, are extracted. On request, we can also provide you with the appropriate web front end.

Shortened application process

Instead of carrying out credit checks using paper-based account checks or payroll accounting, you can immediately use the processed and verified data from the account view to make a decision. Your customer benefits from a fully digital application process and a much faster loan approval. You, on the other hand, not only have one more satisfied customer, but also a freed-up back office, as digital data reduces back-office activities. You improve your margin through lower process costs.

Real-time risk assessment

Our advanced AI algorithms enable precise scoring and risk assessment in real time. By analyzing account turnover fully automatically, we can make accurate predictions about an applicant's creditworthiness. Our system recognizes and evaluates key risk factors, resulting in more informed decisions and a reduced risk of defaults.

Advanced risk analysis

Our account view provides you with comprehensive data to assess creditworthiness, including historical transactions and financial behavior patterns. This improves your risk models with data derived from real customer data and proven risk factors.

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